Credit union · NCUA insured
Sierra Central Credit Union Credit Card Rates
Sierra Central Credit Union credit cards start at 13.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Sierra Central Credit Union’s credit card rates compare
Compared with banks and credit unions near Chico, CA, where Sierra Central Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sierra Central Credit Union
13.74%APR
- Up to
- 19.99% APR
Premier Rewards (Cash Back) VISA®
Lowest rate
Rogue Credit Union
13.25%APR
- Up to
- —
2nd-lowest rate
Self-Help Federal Credit Union
13.50%APR
- Up to
- 16.00% APR
Sierra Central Credit Union credit card score
65
Credit card score
Higher than 13% of U.S. banks and credit unions
- Purchase APRPurchase APR13.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sierra Central Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
My First VISA®
Credit line of either $500 or $1,000. Can be used as overdraft protection for Checking account. Membership open to anyone who lives, works, or attends school in branch location counties. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 18.99% | None | Introductory APR of 18.99% for the first 6 months. No annual fee. |
| Ongoing | 21.74%–27.99% | None | After introductory period, APR ranges from 21.74% to 27.99%, based on the Prime Rate plus a margin. No annual fee. |
Premier Rewards (Cash Back) VISA®
Membership open to those who live, work, or attend school in branch location counties. Credit lines from $1,000 to $25,000. 25-day grace period on purchases. Low variable rate adjusts to Prime Rate plus a margin after 6-month introductory period. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 10.99% | None | Introductory APR for the first 6 months. No annual fee. |
| Ongoing | 13.74%–19.99% | None | Standard variable APR after the introductory period, based on the Prime Rate plus a margin. Stated APR as low as 13.74% up to 19.99%. No annual fee. |
Sources (3)
- sierracentral.com/borrow/credit-cards
- sierracentral.com/rate/credit-cards
- sierracentral.com/rates-print-friendly
All captured Sep 16, 2026
Premier VISA®
Membership open to those who live, work, or attend school in branch location counties. Credit lines from $1,000 to $25,000. 25-day grace period on purchases. Low variable rate adjusts to Prime Rate plus a margin (as low as 4.99%) after 6 months (6 payment cycles). Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 8.99% | None | Introductory APR for the first 6 payment cycles / 6 months. No annual fee. |
| Ongoing | 11.74%–17.99% | None | Standard variable APR after the 6-month introductory period, adjusting to Prime Rate plus a margin as low as 4.99%. Stated APR as low as 11.74% up to 17.99%. No annual fee. |
Sources (3)
- sierracentral.com/borrow/credit-cards
- sierracentral.com/rate/credit-cards
- sierracentral.com/rates-print-friendly
All captured Sep 16, 2026
Secured VISA®
Refundable deposit held in a secured savings account. Credit limit is established at $200 below security deposit (credit line $300 to $2,000). Variable rate adjusts to Prime Rate plus a margin. No introductory rate. Membership open to anyone who lives, works, or attends school in branch location counties. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 22.99% | None | APR up to 22.99%, based on the Prime Rate plus a margin. Stated as low as 22.99% up to 22.99%. No introductory rate applies. No annual fee. |
Sources (3)
- sierracentral.com/borrow/credit-cards
- sierracentral.com/rate/credit-cards
- sierracentral.com/rates-print-friendly
All captured Oct 7, 2026
Who can join Sierra Central Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.